I received a call from Midland Financial and I owe a debt and need to purchase a prepaid debt card. They would not send me any information on this debt.
Refusal to give company information upon request is a VIOLATION of the FDCPA. They have 5 days to MAIL proof of the debt (don't hold your breath!) when requested. Accept nothing else. The only OFFICIAL notification is a written document that is mailed (post office) to you giving their company name & address, original creditor, dates, amounts, etc.
The company isn't a scam they do have aggressive representatives that work there due to the type of work that they do, I honestly don't agree with their aggressiveness but anyway I had my family attorney and bankruptcy attorney give them a call and both stated the company is "REAL" and not a scam. They are not a collection agency, they are one step up from collections when a financial lender's debt (your debt) has exhausted it's collection phase and they decide they want to take the issue into an arbitration process they file it with a mediation dept. The purpose of the mediation dept. is to give you one last chance to take of the matter voluntarily by eliminating most of the charges, interest, and penalties (since you made a small payment on it before it went into collections) before the lender tries to pursue you of the collection balance which is usually $1000's! You will receive a RELEASE LETTER after you pay what you owe signed by an official....it is LEGIT PUBLICATION....Hope that helped